Southern Highlands commercial property loans

Yes, the zone. The main roads here are local centre zones rather than commercial centre ones, which is a smaller scale by design. A use that would be straightforward in a regional city centre is not automatically permitted in a local centre, and expansion room is more limited. Confirm both against the planning certificate before you offer.

Standard commercial and industrial security reaches up to 80% of value. Specialised premises such as function venues sit lower. Up to 100% of the purchase price is achievable where you add equity from a property you already own.

No. Heritage listing is common across the Highlands and affects what you can alter rather than whether the property can be financed. Lenders take it in their stride when the consent position is clear. Confirm the listing and any conditions early so it sits in the file as a known fact rather than a late question.

It helps to work with someone who knows the market. Here that mostly means knowing that the Highlands has no commercial centre band at all, and what the local centre zoning does to permitted uses and to a valuation. Ardent Capital Group is based in the Sydney CBD on Clarence Street, arranges commercial property loans in Sydney, and works in the Southern Highlands and across Australia.

We fund the full range here: food and beverage producers and light manufacturers, trades and building businesses, village retail, cafes and restaurants, function venues and accommodation, medical, dental and veterinary practices, professional firms, childcare, and investors holding tenanted stock. Lender appetite differs sharply across those, which is why we match the property to the lenders that write it.

No. Commercial lending is not a branch business, the credit team assessing your file could be anywhere, and most of the process runs by phone, email and video. We come down when it helps. We know which lenders write Highlands security properly.

A commercial rate is set per file rather than off a shelf price. It moves with the property type and the structure, the LVR, the loan size, the entity you borrow through, and whether the lender is verifying your full financials or just the lease. We will tell you the range your deal genuinely sits in before you spend anything, and where the levers are.

Transfer duty is charged on the dutiable value of the property on the general NSW scale, and there is no owner-occupier or first-buyer concession the way there is on a home. Surcharge purchaser duty applies to residential-related property, so a purely commercial purchase is generally outside it. Duty and GST are funds you bring to settlement rather than part of the loan, so we set your funds-to-complete figure with you before you exchange. Revenue NSW publishes the current scale.

It is more specialised, so the lender list is shorter and the gearing generally more conservative than a standard commercial property. A valuer looks at what the building is worth to another operator as well as to you, and the trading history carries more of the file. It is a very fundable business type, and it needs the right lender.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. The fund borrows under a limited recourse borrowing arrangement, so the property sits in a separate holding trust and the lender can only come after that one property. From 10 August 2026 a new arrangement can only be used for business real property: a property used wholly in a business generally qualifies, a property with a residence attached generally does not. Your operating company leases the property back from the fund, in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. Cross-collateralisation is not available inside super, so the fund needs its own deposit and the 100% LVR structures described elsewhere on this page do not work here. Standard commercial security inside a fund is generally available to 65% to 80% of the lender's valuation, with cash left in the fund after settlement. We know this sounds complicated, and we can assist to make things clearer. Reach out to our team and we will guide you through the entire process. We structure the finance, tell you which lenders will take a the Southern Highlands commercial property as SMSF security and on what terms, and bring in the SMSF specialists and licensed advisers who set the fund side up. You will not be working it out on your own. Get that right and it is a solid, compliant structure. Our business real property page sets out what that test requires and the situations that decide it.

A straightforward owner-occupier purchase with clean financials usually settles in four to six weeks, and can be as quick as two weeks where the documentation is ready at the start. Heritage buildings needing consent confirmation, specialised venues and SMSF purchases all take longer. We give you a realistic timeline for your specific property before you commit to an exchange date.

Usually yes. A decline from one lender does not mean the deal is not fundable, and on hospitality or specialised premises it often means the file went somewhere that does not write that asset type. Non-bank and specialist commercial lenders take a different view on LVR, income presentation and asset type. We will give you a straight assessment first.

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. In the Highlands that method earns its keep on the zone. Knowing what a local centre band permits, and what it does to a valuation, changes what a buyer should be paying and borrowing. We have facilitated more than 1,000 commercial and residential mortgages and funded over $2B. Every figure is subject to serviceability, lender appetite and approval.

Identification, the contract or property details, recent business and personal financials, tax returns, bank statements, and details of your entity or trust structure. A heritage building adds the listing details. A licensed venue adds the licence and the trading history.

Most of the time, no. Where a deal needs significant preparation or is unusually complex, a small mandate fee may apply, and we will always tell you plainly before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your commercial property is located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with asset finance and working capital for the Southern Highlands businesses. On asset finance, that covers commercial kitchen and production plant, refrigeration, vehicles and fit-out. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover stock, supplier payments and cash-flow gaps. We also arrange home loans, planned alongside your commercial borrowing: cross collateralisation, guarantees, shortfalls and trust income included. See home loans for business owners.

Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the very first conversation. Our main borrower profiles are established business owners and commercial property investors seeking finance from $50,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.